Shenzhen’s loan-but-not-housing policy is a new policy recently introduced. The central bank has already announced the implementation of a "loan but not house" policy for first-time buyers, but provident fund loans are still not approved. Some citizens claimed that they had paid off the loan for their first home, but when they wanted to apply for a loan using provident funds, they were told that they still had to follow the second home policy. What does it mean to subscribe for a loan but not to recognize a house in Shenzhen? The Housing Provident Fund Management Center of Shenzhen said that the central bank’s policy mainly targets commercial housing loans. Provident fund loans are generally not within the scope of preferential treatment. Currently, the policy of “recognizing a house but not recognizing a house” is still implemented. Subscription loan” policy. Regarding Shenzhen's policy of "guaranteing loans but not housing", the editor has also compiled relevant information. Next, let us take a look at Shenzhen's policy of "guaranteing loans but not housing".
Shenzhen's policy of accepting loans but not recognizing houses
What is the policy of accepting loans but not recognizing houses in Shenzhen? The central bank and the China Banking Regulatory Commission issued the "Notice on Further Improving Housing Financial Services" ”, which proposed that families who own one house and have paid off the corresponding house purchase loan should apply for a loan again to purchase ordinary commercial housing, and the loan policy for the first house must be implemented. After Shenzhen's policy of recognizing loans but not recognizing houses was introduced, many Shenzhen citizens began to make preparations for buying second homes. Some citizens also reported that if they planned to use their provident funds to apply for loans, they would encounter "inconsistent policies". Shenzhen also has these regulations on whether to recognize a loan or not. According to the current housing provident fund loan policy implemented in Shenzhen, the down payment ratio of a provident fund personal mortgage loan for a second home cannot be less than 60%. The standard for recognition is still "recognizing a house." "Do not accept the loan" means that the property in your name will be used as the standard, and whether you pay off the mortgage will not be affected. Shenzhen's policy of recognizing loans but not housing is generally a good policy, and at least it solves important problems for Shenzhen citizens.
The specific content of Shenzhen’s loan guarantee but not housing confirmation
What content does Shenzhen’s loan guarantee but not housing guarantee require our attention? Single citizens with Shenzhen household registration can only purchase one house. . Previously, Shenzhen implemented a purchase restriction policy. Each household could only purchase two houses, and the second house required a down payment of 70%. Shenzhen also has new regulations on loan recognition but not housing recognition. Residents who are not registered in Shenzhen must have social insurance for five years and can only purchase one house. There are new regulations in Shenzhen regarding loan approval but not house approval. If you have no house and no loan record, the minimum down payment ratio for the first home is 30%. This rule has basically not changed. There is a fourth point in Shenzhen when it comes to recognizing loans but not housing. The down payment ratio for those who do not have a house but have a loan record cannot be less than 50%. This policy has also become more stringent. Shenzhen Loan Recognition but Not Recognition of Housing For home buyers whose family names do not have a house in Shenzhen, but who have housing loan records in the past two years, the minimum down payment ratio for the loan is 40%. According to this new regulation, regardless of whether a home buyer has a loan record in Shenzhen or elsewhere, even if there is no house under his name, the down payment ratio cannot be less than 50%.
The down payment ratio for second home loans generally cannot be less than 70%. The down payment ratio for second home loans has also begun to increase significantly. Compared with the previous 50%, there are indeed significant changes. For home buyers, this time Shenzhen's "purchase restriction order" is indeed much stricter than before, but judging from the original text of the policy, Shenzhen can also make comprehensive adjustments in terms of land supply and apartment types. In future new commercial housing projects in Shenzhen, the proportion of ordinary housing construction area and number of units with a building area of ??less than 90 square meters shall generally not be less than 70% of the total construction area and total number of units of the commercial housing project. It is also very important to increase the supply of land for housing. Optimize the land transfer model and strengthen the supervision of funds. Optimize the land transfer method. The premium rate of land exceeds a certain proportion, which requires the area of ??talent housing or affordable housing. Increasing the proportion can make the deposit for commercial housing land better. The original no less than 20% is increased to No less than 50%; the source of land purchase funds must also be strictly checked. Land purchase funds must not come from development loans, capital market financing, asset management plan financing, etc.